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Income Statement
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Balance Sheet
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Cashflow Statement
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Profitability
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Ratios
Upstart Holdings's Income Statement
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Revenue |
|
$849.89 M | $853.29 M | $547.72 M | $676.96 M | $1.04 B |
| Cost of Revenue |
|
$3.27 M | $15.53 M | $39.60 M | $48.13 M | - |
| Gross Profit |
|
$846.61 M | $837.76 M | $508.12 M | $628.83 M | - |
| Research & Development |
|
- | - | - | - | $257.60 M |
| Selling,General & Administrative |
|
$572.47 M | $719.06 M | $489.95 M | $555.73 M | $555.25 M |
| Operating Expense |
|
$712.88 M | $946.83 M | $748.14 M | $757.23 M | $1.00 B |
| Operating Income |
|
$133.73 M | -$109.07 M | -$240.03 M | -$128.40 M | $42.63 M |
| Net Income |
|
$135.44 M | -$108.67 M | -$240.13 M | -$128.58 M | $53.60 M |
Upstart Holdings's Assets vs Liabilities & Equity
Upstart Holdings's Balance Sheet
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents |
|
$994.99 M | $432.41 M | $377.32 M | $793.61 M | $693.64 M |
| Inventories |
|
- | - | - | - | - |
| Total Current Assets |
|
$1.09 B | $501.99 M | $450.64 M | $948.99 M | $693.64 M |
| Property,Plant and Equipment |
|
$120.38 M | $130.50 M | $97.35 M | $82.47 M | $81.73 M |
| Goodwill |
|
$67.06 M | $67.06 M | $67.06 M | $67.06 M | $67.06 M |
| Total Assets |
|
$1.82 B | $1.94 B | $2.02 B | $2.37 B | $2.97 B |
| Total Liabilities |
|
$1.01 B | $1.26 B | $1.38 B | $1.73 B | $2.18 B |
| Retained Earnings |
|
$66.22 M | -$42.44 M | -$282.58 M | -$411.16 M | -$357.56 M |
| Total Shareholder Equity |
|
$807.08 M | $672.44 M | $635.31 M | $633.22 M | $798.82 M |
| Common Stock |
|
$8.00 K | $8.00 K | $9.00 K | $9.00 K | $10.00 K |
Upstart Holdings's Cash flow
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Depreciation & Amortization |
|
$7.54 M | $13.51 M | $24.90 M | $20.55 M | -$24.31 M |
| Dividends Payout |
|
- | - | - | - | - |
| Capital Expenditures (Capex) |
|
-$15.12 M | -$22.91 M | -$1.53 M | -$837.00 K | - |
| Free Cash Flow (FCF) |
|
$153.24 M | -$697.59 M | -$162.02 M | $185.49 M | -$147.73 M |
Upstart Holdings's Profitability
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Gross Profit |
|
$846.61 M | $837.76 M | $508.12 M | $628.83 M | - |
| Gross Profit Margin (%) |
|
99.61% | 98.18% | 92.77% | 92.89% | 95.21% |
| Operating Income |
|
$133.73 M | -$109.07 M | -$240.03 M | -$128.40 M | $42.63 M |
| Operating Income Margin (%) |
|
15.74% | -12.78% | -43.82% | -18.97% | 5.05% |
| Net Income |
|
$135.44 M | -$108.67 M | -$240.13 M | -$128.58 M | $53.60 M |
| Net Income Margin (%) |
|
15.94% | -12.73% | -43.84% | -18.99% | 4.98% |
| EBITDA |
|
$141.27 M | -$95.56 M | -$215.12 M | -$107.85 M | $42.63 M |
| EBITDA Margin (%) |
|
16.62% | -11.20% | -39.28% | -15.93% | 7.36% |
Upstart Holdings's Ratios
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) |
|
16.78% | -16.16% | -37.80% | -20.31% | 6.71% |
| Return on Assets (ROA) |
|
7.44% | -5.61% | -11.90% | -5.43% | 1.80% |
| Debt to Equity |
|
98.60% | 161.68% | 173.58% | 229.38% | 231.63% |
| Debt to total asset |
|
43.71% | 56.15% | 54.67% | 61.36% | 62.20% |
| Enterprise value to revenue |
|
13.67 | 2.05 | 7.57 | 9.11 | 3.40 |
| Enterprise value to EBITDA |
|
82.24 | -18.30 | -19.28 | -57.18 | 83.20 |
| Enterprise value |
|
$11.62 B | $1.75 B | $4.15 B | $6.17 B | $3.55 B |
| Tax Rate (%) |
|
-1.28% | 0.37% | -0.04% | -0.14% | 1.34% |
Frequently Asked Questions
